Financial Basics

financial basics

◕  Create a Financial Calendar

◕  Check Your Interest Rate

◕   Track Your Own Net Worth

Love, 

The Dazzling Ladybie

5 Tips Starting a Successful Business

5 Tips Starting a Successful Business

1. Begin with a detailed plan. 

This one is a must: Develop an in-depth plan that fully details how you'll attack the challenge ahead. Your plan should define any opportunities you've identified, clearly state your mission, describe your target, establish measurable goals, and set deadlines for each milestone along the way. Remember that while it's important to have a plan, it's equally vital to be flexible enough to pivot when needed.

2. Get out there and network.

 Our business would not be where it is today without all the professional networking we did when we first started. We continue to emphasize networking today. Until you've established your business, you'll need to create your own word-of-mouth. Be your own brand ambassador, touting the benefits of working with your business and showing why people should give you a chance. Start your own momentum. A wealth of events, trade shows, and networking groups exist to connect you with other professionals. These initial connections can lead to future business prospects, mentors, and strategic partners with the capacity to help grow your business.

3. Surround yourself with the right people. 

The right mentors and strategic partners aren’t the only people with whom you'll need to align. Surrounding yourself with a great team is equally important. Build your staff with smart, talented, and driven employees who share your vision. They can not only transform your business but also accelerate its growth. Hiring positive, can-do employees helps create a culture that encourages teamwork. Foster an environment in which everyone participates, so you can collectively celebrate your company's successes.

4. Stay ahead of the curve. 

You can't afford to be rooted in the present and solely focused on the day-to-day. It's crucial to keep one eye focused on the future, including upcoming movement in your industry. If you aren’t anticipating the next big thing, you're destined to fall behind. Successful business owners study trends and anticipate what's coming around the bend. This allows them to nimbly adapt and evolve. Stay current on emerging issues in your field by faithfully reading trade magazines and websites. Keeping pace as your industry changes assures you'll have your finger on the pulse to predict what customers will want -- and which direction your competition might move.

 5. Find a healthy work-life balance. 

Running a successful business requires an inordinate amount of time and energy. It's paramount to find a healthy work-life balance, even though it can be a challenge to do so. It's easy to let work dominate your life. Don't. It could result in your losing touch with those whom you consider most important. It's also crucial to take care of your own health and well-being. Your business can’t run without you. You might believe you need that perpetual hustle to stay sharp and succeed. But that pace can and will burn you out, ultimately limiting how much you can achieve if you don't take time for yourself. Find ways to maintain perspective and preserve healthy relationships outside of work. Set aside time to get your body active in ways that energize and invigorate you, and schedule catch-up time with friends and family. They'll help recharge your batteries and inspire you to persevere as you dream even bigger.

Credit : Stephanie Abrams Cartins 

Love, 

The Dazzling Ladybie

Novel : Ad +Iz

Adrianna Mayesa (Ad), si tukang jahit yang rela berkorban demi keluarga tirinya. Walaupun dirinya tidak dihargai dan sering dipergunakan, namun itulah keluarganya semenjak ibunya meninggal dunia. Apatah lagi dia tidak pernah mengenali ayah kandungnya.

Takdir hidup menemukannya dengan Tengku Farriel Izumi (Iz) melalui satu salah faham. Dia yang pada asalnya diupah untuk menyamar sebagai kekasih Iz telah menjadi isteri akibat desakan Nenda Nerrisa. Setelah bergelar suami dan isteri, barulah Iz mengecam Ad, si tomboy yang pernah menjadi seterunya ketika di zaman persekolahan dahulu.

Maka, hiduplah mereka dengan pelbagai syarat dan perjanjian. Masing-masing menyakiti hati masing-masing.

Ad dikehendaki menyambung pelajaran supaya setaraf dengan Iz yang berpelajaran tinggi. Manakala Iz dikehendaki mengurangkan saiz badannya daripada XL kepada M, supaya sepadan digandingkan dengan Ad yang slim.

Setelah menempuh hidup bersama, cinta pun mula memekar di taman hati masing-masing. Ini membuatkan Iz keliru di antara cintanya terhadap Ad atau Marina, pujaan hatinya selama ini.

Kemunculan Tengku Ihsan, sepupu Iz a.k.a. playboy diraja telah mencabar ego Iz sebagai suami Ad kerana Ihsan terang-terangan cuba mencuri hati Ad.

Demi harta, Tengku Faris (papa Iz) tegar berkomplot dengan Mak Cik Midah (emak tiri Ad) untuk memisahkan Ad dan Iz. Dia mahu Iz mengahwini Marina yang berstatus jutawan.

Akibat komplot itu, sebuah rahsia yang tersimpan kemas selama ini pecah jua akhirnya.

Siapakah Ad sebenarnya? Apa kaitannya dengan Ann, cinta pertama Iz? Berjayakah rumah tangga mereka mengharungi segala badai yang mendatang? Semuanya bakal terjawab di dalam AD+IZ.

Love, 

The Dazzling Ladybie

Doa Ketika Bercermin

Doa Ketika Bercermin

اَلْحَمْدُ ِللهِ كَمَا حَسَّنْتَ خَلْقِىْ  فَحَسِّـنْ خُلُقِىْ

Alhamdulillaahi kamaa hassanta kholqii fahassin khuluqii

Artinya: "Segala puji bagi Allah, baguskanlah budi pekertiku sebagaimana Engkau telah membaguskan rupa wajahku"

Love, 

The Dazzling Ladybie

10 Tips for the First Time Business Owner

10 Tips for First Time Business Owner

• Focus. Focus. Focus. 
• Many first-time entrepreneurs feel the need to jump at every "opportunity" they come across. Opportunities are often wolves in sheep's clothing. Avoid getting side-tracked. Juggling multiple ventures will spread you thin and limit both your effectiveness and productivity. Do one thing perfectly, not 10 things poorly. If you feel the need to jump onto another project, that might mean something about your original concept. 
• Know what you do. Do what you know. 
• Don't start a business simply because it seems sexy or boasts large hypothetical profit margins and returns. Do what you love. Businesses built around your strengths and talents will have a greater chance of success. It's not only important to create a profitable business, it's also important that you're happy managing and growing it day in and day out. If your heart isn't in it, you will not be successful. 
• Say it in 30 seconds or don't say it at all. 
• From a chance encounter with an investor to a curious customer, always be ready to pitch your business. State your mission, service and goals in a clear and concise manner. Fit the pitch to the person. Less is always more. 
• Know what you know, what you don't know and who knows what you don't. 
• No one knows everything, so don't come off as a know-it-all. Surround yourself with advisors and mentors who will nurture you to become a better leader and businessman. Find successful, knowledgeable individuals with whom you share common interests and mutual business goals that see value in working with you for the long-term. 
• Act like a startup. 
• Forget about fancy offices, fast cars and fat expense accounts. Your wallet is your company's life-blood. Practice and perfect the art of being frugal. Watch every dollar and triple-check every expense. Maintain a low overhead and manage your cash flow effectively. 
• Learn under fire. 
• No business book or business plan can predict the future or fully prepare you to become a successful entrepreneur. There is no such thing as the perfect plan. There is no perfect road or one less traveled. Never jump right into a new business without any thought or planning, but don't spend months or years waiting to execute. You will become a well-rounded entrepreneur when tested under fire. The most important thing you can do is learn from your mistakes--and never make the same mistake twice. 
• No one will give you money. 
• There, I said it. No one will invest in you. If you need large sums of capital to launch your venture, go back to the drawing board. Find a starting point instead of an end point. Scale down pricey plans and grandiose expenditures. Simplify the idea until it's manageable as an early stage venture. Find ways to prove your business model on a shoestring budget. Demonstrate your worth before seeking investment. If your concept is successful, your chances of raising capital from investors will dramatically improve. 
• Be healthy. 
• No, I'm not your mother. However, I promise that you will be much more productive when you take better care of yourself. Entrepreneurship is a lifestyle, not a 9-to-5 profession. Working to the point of exhaustion will burn you out and make you less productive. Don't make excuses. Eat right, exercise and find time for yourself. 
• Don't fall victim to your own B.S. 
• Don't talk the talk unless you can walk the walk. Impress with action not conversation. Endorse your business enthusiastically, yet tastefully. Avoid exaggerating truths and touting far reaching goals as certainties. In short, put up or shut up. 
• Know when to call it quits. 
• Contrary to popular belief, a smart captain does not go down with the ship. Don't go on a fool's errand for the sake of ego. Know when it's time to walk away. If your idea doesn't pan out, reflect on what went wrong and the mistakes that were made. Assess what you would have done differently. Determine how you will utilize these hard-learned lessons to better yourself and your future entrepreneurial endeavors. Failure is inevitable, but a true entrepreneur will prevail over adversity.

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credit : https://www.entrepreneur.com/article/203254

Love, 

The Dazzling Ladybie

RESIPI: Tteokgalbi

Tteokgalbi

Bahan untuk galbi/daging: 

 1 ulas bawang merah,di dadu 

1/4 cawan pear, dicincang halus 

1 biji lobak merah, diparut 

3 ulas bawang besar holland, dicincang halus 

5 ulas bawang putih, dicincang 

1 camca teh halia, dicincang 

400 gram daging kisar ( guna daging kisar Ramly je) 

 Bahan untuk Perapan:

 1/4 cawan kicap soya 

1 sudu besar gula 

2 sudu besar madu 

1 sudu besar minyak bijan 

1/2 sudu teh lada hitam 

1 sudu besar air 7 up (optional)

Cara Memasak 

1. Campurkan semua bahan galbi/daging ke dalam mangkuk dan gaulkan hingga sebati. 

2. Dalam mangkuk lain, campurkan semua bahan perapan dan gaul sebati. Kemudian masukkan separuh dari bahan perapan tadi ke dalam galbi/daging. 

3. Setelah perapan dicampur sebati bersama galbi/daging, masukkan ke dalam peti sejuk seketika untuk menjadikan campuran tersebut mampat. 

4. Ambil sedikit adunan dan bentukkan menjadi segi empat. 

5. Bakar di atas pemanggang dan sapukan lebihan bahan perapan semasa membakar. Bakar hingga sempurna dan sedia untuk dihidangkan.

Love, 

The Dazzling Ladybie

10 Business Creativity Tips For The Mind

10 Business Creativity Tips for The Mind

1. Be a visitor in your own office
2. Rotate your artwork and photographs
3. Get a Cool Chairs
4. Re-purpose Unused Office Space
5. Buy Fun supplies
6. Write down every idea
7. Break Your Routines
8. Take short stimulation breaks
9. Mandate perosnal branstorming Sessions
10. Play musical chairs at meetings. 

Love, 

The Dazzling Ladybie